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Capital Requirements
12 Months Ended
Dec. 31, 2014
Capital Requirements [Abstract]  
Capital Requirements

Note 12 – Capital Requirements

The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. Management believes, as of December 31, 2014 and 2013, that the Company and the Bank met all capital adequacy requirements to which they are subject.

The Bank's capital ratios remain above the levels designated by bank regulators as “well capitalized” at December 31, 2014. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the institution's category.

The Company's and the Bank's actual capital amounts and ratios are presented in the following tables:


December 31, 2014             Minimum
            To Be Well Capitalized
Minimum Capital   Under Prompt Corrective
Actual Requirement Action Provisions
     Amount   Ratio   Amount   Ratio   Amount   Ratio
Total Capital                                    
     (To Risk Weighted Assets)                                    
          Consolidated   $ 63,752
  17.87 %   $ 28,538
  8.00
%     N/A   N/A  
          Bank   $ 52,505
  15.63 %   $ 28,490
  8.00 %   $ 35,612
  10.00 %
 
Tier 1 Capital                                    
     (To Risk Weighted Assets)                                    
          Consolidated   $ 60,588
  16.98 %   $ 14,269
  4.00 %     N/A   N/A  
          Bank   $ 55,669
  14.74 %   $ 14,245
  4.00 %   $ 21,367
  6.00 %
 
Tier 1 Capital                                    
     (To Average Assets)                                    
          Consolidated   $ 60,588
  11.38
%   $ 21,305
  4.00 %     N/A   N/A  
          Bank   $ 55,669
  9.86 %   $ 21,296
  4.00 %   $ 26,620
  5.00 %


December 31, 2013             Minimum
            To Be Well Capitalized
Minimum Capital   Under Prompt Corrective

Actual Requirement Action Provisions
     Amount   Ratio   Amount   Ratio   Amount   Ratio
Total Capital                                    
     (To Risk Weighted Assets)                                    
          Consolidated   $ 62,747   18.00 %   $ 27,889   8.00 %     N/A   N/A  
          Bank   $ 54,434   15.62 %   $ 27,886   8.00 %   $ 34,857   10.00 %
 
Tier 1 Capital                                    
     (To Risk Weighted Assets)                                    
          Consolidated   $ 59,387   17.03 %   $ 13,945   4.00 %     N/A   N/A  
          Bank   $ 51,074   14.65 %   $ 13,943   4.00 %   $ 20,914   6.00 %
 
Tier 1 Capital                                    
     (To Average Assets)                                    
          Consolidated   $ 59,387   11.86 %   $ 20,026   4.00 %     N/A   N/A  
          Bank   $ 51,074   10.20 %   $ 20,026   4.00 %   $ 25,033   5.00 %